Call reports 2006
CITIZENS BANK COMPANY, THE — 2006
What CITIZENS BANK COMPANY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 70,061,000 | 71,775,000 | 73,017,000 | 73,417,000 |
| Total loans | 39,708,000 | 41,520,000 | 42,825,000 | 42,788,000 |
| Allowance for loan losses | 520,000 | 526,000 | 548,000 | 577,000 |
| Securities available for sale | 26,326,000 | 25,950,000 | 26,216,000 | 25,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,062,000 | 57,370,000 | 58,266,000 | 57,825,000 |
| Interest-bearing deposits | 51,651,000 | 50,032,000 | 50,775,000 | 50,363,000 |
| Noninterest-bearing deposits | 7,411,000 | 7,338,000 | 7,491,000 | 7,462,000 |
| Equity capital | 7,374,000 | 7,389,000 | 7,643,000 | 7,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,059,000 | 2,185,000 | 3,370,000 | 4,608,000 |
| Interest expense | 325,000 | 683,000 | 1,080,000 | 1,517,000 |
| Net interest income | 734,000 | 1,502,000 | 2,290,000 | 3,091,000 |
| Noninterest income | 119,000 | 255,000 | 385,000 | 527,000 |
| Noninterest expense | 555,000 | 1,177,000 | 1,762,000 | 2,409,000 |
| Provision for loan losses | 10,000 | 20,000 | 40,000 | 84,000 |
| Pretax income | 288,000 | 560,000 | 874,000 | 1,136,000 |
| Income tax | 49,000 | 120,000 | 205,000 | 285,000 |
| Net income | 239,000 | 440,000 | 669,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,365,000 | 7,491,000 | 7,553,000 | 7,672,000 |
| Total capital | 7,860,000 | 8,012,000 | 8,091,000 | 8,209,000 |
| Risk-weighted assets | 39,608,000 | 41,684,000 | 43,039,000 | 42,888,000 |
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